Personal loans in Rosemead, CA
The Census estimates 49,305 residents in Rosemead, which ranks it 179th of 482 places in California. In Rosemead, one of 482 Census places in California, the figure to compare across lenders is the APR, not the advertised rate.
The 2020 count to the 2023 estimate shows about 3.7% decline in Rosemead. Judge Rosemead offers on total cost, not on how quickly the money arrives. Every figure below is California's own, applied to Rosemead's 49,305 residents, with the publisher and retrieval date attached. A larger market lies at El Monte, CA about 3 miles away.
Local context for Rosemead
The figures below are Rosemead's own — Census population, land area and coordinates — followed by the California rules.
- Population: about 49,305 people live here, which puts Rosemead 179th of 482 Census places in California (Vintage 2023).
- Population trend: Roughly 3.7% fewer residents than the 2020 Census counted.
- People gained or lost: about 1,882 fewer since the 2020 base.
- Size percentile: Rosemead sits ahead of around 63% of California places, at 49,305 people.
- Population density: about 9,552 people per square mile (Census land area 5.2 sq mi).
- Land area: Rosemead covers 5.2 square miles, the 319th-largest area among California's 482 places.
- Water area rank: Rosemead ranks 286th among California's 482 places, with 0.01 sq mi.
- Within California: about 0.2% of the state's population lives in Rosemead.
- Nationally: Rosemead is the 805th-largest of 19,457 Census places in the dataset.
- Growth in California: Rosemead stands 355th by percentage change from 2020 to 2023, among 482 places.
- Versus California: the state average change is -1.3%, while Rosemead moved 3.7%.
- Density rank: Rosemead is the 36th most densely settled place in California.
- Density vs California: Rosemead's 9,552 people per square mile compare with a state median of 3,455.
- Location: 34.0689 / -118.0827, per the US Census Bureau Gazetteer.
- Nearest larger cities: El Monte (3 mi); Monterey Park (3 mi); Alhambra (3 mi); Montebello (4 mi); Arcadia (5 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller places: San Gabriel (2 mi); South El Monte (2 mi); Temple City (3 mi).
- Within a 50-mile radius: 68 smaller Census places.
- Within 100 miles: 98 places are larger than Rosemead.
What a Rosemead borrower is actually offered
In Rosemead, a smaller city of about 49,305, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Rosemead loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Rosemead loan but raises total interest, so the smallest payment is not the cheapest loan.
Lender access in Rosemead
With about 9,552 residents per square mile, Rosemead is densely built, and 72 larger Census places sit within 50 miles. A California licence lets a lender serve Rosemead without a local office, so branch density does not change what its 49,305 residents are offered. The nearest bigger place is El Monte, CA about 3 miles away.
California rules behind a Rosemead personal loan
When California does not publish a figure, the row links to the source instead of inventing a number; Rosemead is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | California Department of Financial Protection and Innovation (DFPI) Source says: "“Department” means the Department of Financial Protection and Innovation". | California Legislature — Financial Code § 23001 as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 7% per annum default; written contracts may set up to 10% per annum for consumer-purpose loans Source says: "shall be 7 percent per annum"; "for use primarily for personal, family, or household purposes, at a rate not exceeding 10 percent per annum". | California Legislature — California Constitution, Article XV, § 1 as of 2026-09-16 |
| Payday lending status | Permitted under the California Deferred Deposit Transaction Law; max $300 face amount; fee ≤15%; term up to 31 days Source says: "The face amount of the check shall not exceed three hundred dollars ($300)"; "A fee for a deferred deposit transaction shall not exceed 15 percent of the face amount of the check" (Financial Code § 23036). | California Legislature — Financial Code § 23035 (and § 23036) as of 2026-09-16 |
The Rosemead borrowing checklist
These steps shape the offer you get in Rosemead, a place of about 49,305 people:
- Pull your credit reports first and correct any error before a lender sees the file.
- Model the payment on the calculator before a lender models it for you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's California licence with the regulator listed on this page.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Check that the monthly payment fits your budget next to your existing obligations.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
In Rosemead as elsewhere in California, the written terms — not the advertisement — are what count for its 49,305 residents.
Land, water and location for Rosemead
Rosemead's land area is about 5.2 square miles; a further 0.01 square miles is water. With 49,305 residents, the land area yields roughly 9,552 people per square mile. For the state's biggest city, Los Angeles, the distance is roughly 19 miles. Rosemead has 72 larger places within a 50-mile radius. The 100-mile radius contains 98 larger places.
Common questions
What are my options in Rosemead if my credit is poor?
What loan size can I expect in Rosemead?
Do I have to pledge anything to borrow in Rosemead?
Does comparing loans in Rosemead cost me credit score points?
Nearby places
- San Gabriel, CA — population 37,732
- South El Monte, CA — population 19,032
- Temple City, CA — population 34,854
- El Monte, CA — population 103,794
- Monterey Park, CA — population 57,877
- Alhambra, CA — population 79,776
- Montebello, CA — population 60,015
- San Marino, CA — population 11,977